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Collectibles can provide enjoyment and potential profits during a collector's life.
But they're also potential headaches for heirs, because collectibles generally are less liquid, trickier to value and less divisible than financial assets.
They also can inspire emotional attachments and disputes among heirs, so advisors should help collectors focus on these assets' unique characteristics when designing their estate plans.
AdvisorOne asked Jim Halperin (left), co-founder and co-chairman of Heritage Auctions in Dallas for his insights via e-mail on common estate- planning mistakes with collectibles and how collectors can avoid those errors.
Halperin outlines the right strategies to take below.
What are the key steps to take when working on an estate plan that includes a collection?
The number one mistake most collectors make is not working with their family to develop a will. We advise collectors to discuss all valuable objects with their families, and decide together what should be done with them–whether selling at auction or distributing among the family.
In one memorable case, a collector meticulously divided his coins equally (by value) between his son and daughter but failed to keep them updated on the market.
Rather than get the collection appraised before his passing, he left the two with instructions that they should seek expert advice before selling.
The daughter came to Heritage and was pleased to learn that her coins were worth more than $85,000 (and subsequently sold them at auction, netting well above that amount). Unfortunately, her brother had "sold" his share just eight months earlier to a pawnbroker for less than $7,500.
If no will exists, it may be best to leave the division to a third party. Perhaps an appraiser can value items individually so each heir can 'buy' their share at the appraised price.
The lesson here is that families must be involved in the estate-planning process. If they don't share your love of collectibles, you might decide it's better to dispose of the collection in your lifetime.
Regardless, your family should have a basic understanding of the collection, its value and how you want the proceeds distributed.
When and how do collections have to be appraised?
Of the tens of thousands of collectors Heritage has assisted in disposing their collections, about 20% didn't know even approximately what their art and collectibles were worth.
Appraisals are required for insurance, estate taxes, charitable contributions and even gift-tax purposes, but few people realize the IRS requires different types of appraisals depending on the value and use of the collection.
Selecting a qualified appraiser is an important step and takes time. Collectors should pick appraisers who specifically confirm to Uniform Standards of Professional Appraisal Practice.
We often advocate third-party grading as the best method to protect their collection. Just like an appraisal, reliable certification can greatly increase a collection's liquidity and value, especially for:
- Coins (Numismatic Guaranty Corporation (NGC) or Professional Coin Grading Service (PCGS);
- Currency (Paper Money Guaranty, PMG, or PCGS);
- Comic books (Certified Guaranty Company, CGC);
- Stamps (Professional Stamp Experts, PSE) and
- Sports cards (Professional Sports Authenticator, PSA, or Sportscard Guaranty, SGC.
Certification by these major grading services both assures authenticity and adds value. However, certification fees may range from $15 to hundreds of dollars per item.
Before considering a grading company it is best to meet with an expert to determine if the added value will justify the cost of the service.
What are the best ways to sell a collection?
A common practice among inheritors is to sell a collection outright, thus generating fast cash for minimal effort, but often producing the least amount of money for the owner.
Another method is to use an agent. Generally agents charge a fix fee of 5 or 10% plus expenses.
Matching the right agent with the right material is a challenge, as it is hard for any expert to know the market on every item in a collection. Even the greatest experts often lack the imagination to predict auction values when an item is truly special. Furthermore, you need to fully trust that the agent will give you an honest accounting. Most will, but private transactions are somewhat opaque, so some agents may succumb to the temptation of using your items to return favors to friends, buying the best deals themselves or even shortchanging you outright.
That's why the auction method of selling has always been and will likely forever remain the best method to ensure your heirs receive as much value as possible from your collection. Auction is the fastest way a truly free market can set a value based on competitive demand in a transparent, level playing field.
Auction houses work on a percentage, so the more money you receive, the more money the auction house makes. Thus, their interests are aligned with yours.


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Cerulli Associates said early Monday that client assets custodied witth RIAs should make up about one-quarter of industry assets by next year. "The RIA channel's growth has outpaced the industry and is drawing increased interest by asset managers," said Tyler Cloherty, associate director at Cerulli Associates, in a statement. "There are a number of attractive distribution partners emerging."
RIAs and dually registered advisors had about 18.6% of the advisor market share in 2010, the research group says. But that share should hit 24.7% by late 2014.
The growth of the RIA and dually registered channels is likely to continue to accelerate due to advisor movement and client choice," Cloherty said. "Asset managers are expanding resources dedicated to the channel and anticipate future growth."
In 2010, there was about $1.2 trillion in RIA assets for client accounts managed by roughly 27,930 RIAs. In 2011, that figure rose to about $1.4 trillion and 28,715, respectively.
RIA-channel growth is outpacing the broader industry, the recent Cerulli study found, and is drawing the interest of asset management distributors. This growth is being spurred by strong advisor recruitment, breakaway advisors leaving wirehouse and other traditional firms to create their own independent firms, and a growing client preference for RIAs.
Other key research findings are:
- The appeal of the RIA channel has drawn more than 1,500 advisors from across the industry, managing on average $48 million per advisor.
- The success of the dually registered channel has been a highlight of the past year, as the channel compiled the largest growth rate in both assets and advisors.
- In Cerulli surveys, only 17% of dually registered advisors indicated a willingness to drop their broker/dealer affiliation.
- For advisors moving into the RIA channel, breaking away from a larger firm may result in decreased wholesaler coverage. No longer included in a large office with multiple producers, the RIA firm must justify coverage upon its own assets.
- The RIA channel cannot forever rely on advisor transition to generate growth. It must prove its sustainability through the hiring of new advisors to the industry.
- At $1.5 million in client assets, the majority of RIAs charge less than 100 basis points (bps) on client assets, but a few are able to maintain pricing power despite increasing assets.
- Advisors whose fee consciousness extends into their own revenue should be additionally cautious regarding manager fees.
Read Outsourcing Can Make Smaller Accounts Profitable on AdvisorOne.

subset: commoncrawl


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CEO Moves this week include:
|The CSL Group
|Real Industry, Inc.
|Ruby Tuesday, Inc.
|Sierra Metals Inc.
|Innocrin Pharmaceuticals, Inc.
|Coach, Inc.
|TFC Financial Management
|Reliant Rehabilitation
|Acelity L.P. Inc.
|Mack-Cali Realty Corporation
|Friedman Industries, Inc.
|Aerosoles Group
|Relay Therapeutics
|Pier 1 Imports, Inc.
|Ascend Performance Materials
|ACTIVE Network®
|Terumo Cardiovascular
|The Gemini Companies
|Pilot Lite Ventures
|Risk International
|Couchbase Inc.
Would you like to receive our weekly CEO Moves directly in your email? Click the SIGN ME UP! button on the right of the blog page.
Should you have any CEO Moves to report, please email us.
CEO Moves is published by Samuel Dergel (Executive Search Consultant with Dergel Executive Search). Samuel can be reached by email at firstname.lastname@example.com or by phone at +1 (415) 738-2070.
+ + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
Umbel [AUSTIN, TEXAS] announced the promotion of Lisa Pearson to CEO, Pearson was previously Umbel's President.
The CSL Group ("CSL") [MONTREAL] announced that Louis Martel has taken over as President and CEO of the global shipping company, succeeding Rod Jones. Louis Martel began his career at CSL in 1997 as a Naval Architect. He has since held numerous roles with the company including President of Canada Steamship Lines and most recently President of CSL International and Executive Vice-President of The CSL Group.
Real Industry, Inc. [SHERMAN OAKS, Calif.] (NASDAQ: RELY) announced Kyle Ross as Chief Executive Officer and as a member of its Board of Directors. Ross has served as the Company's President, Interim Chief Executive Officer and Chief Investment Officer. Prior to Ross's appointment to Interim CEO, he had served in various leadership positions at the Company, including Chief Financial Officer since March 2011 and Executive Vice President since June 2010.
Ruby Tuesday, Inc. [MARYVILLE, TN] (NYSE: RT) announced James "Jim" F. Hyatt, II as President and Chief Executive Officer and a member of the Board of Directors. Most recently, Hyatt served as Chief Executive Officer of Church's Chicken from September 2011 through November 2016 and remains a member of the Company's Board of Directors. Prior to Church's Chicken, Hyatt held the role of President and Chief Executive Officer of Cosí from September 2007 through September 2011. Prior to Cosí, Hyatt spent 35 years in the QSR category with 31 years at Burger King. He was recruited to join Burger King's corporate executive team as Executive Vice President and Chief Global Operations Officer.
Sierra Metals Inc. [TORONTO] (TSX: SMT) announced the appointment of Igor Gonzales as President and Chief Executive Officer. Gonzales has served on the Sierra Metals Board of Directors since September 2013. Gonzales worked in Minas Buenaventura as Vice President of Operations from November 2014 to April 2017, worked for Barrick Gold Corporation from 1998 to 2013, first as Vice President and General Manager of Pierina Mine in Peru, then President of Barrick South America, and most recently as Chief Operating Officer for Barrick Gold Corporation. Gonzales also worked for Southern Peru Copper Corporation. Gonzales is a Director for Sierra Metals, Minas Buenaventura and Hudbay Minerals.
Innocrin Pharmaceuticals, Inc. [RESEARCH TRIANGLE PARK, N.C.] announced the appointment of Fred Eshelman as Chief Executive Officer. Fred Eshelman is the founder of Eshelman Ventures LLC. Previously, he founded and served as CEO and Executive Chairman of Pharmaceutical Product Development (PPD). After PPD he served as Founding Chairman of Furiex Pharmaceuticals. His career has also included positions as senior vice president of development and board member of the former Glaxo, Inc., as well as various management positions with Beecham Laboratories and Boehringer Mannheim Pharmaceuticals.
Coach, Inc. [NEW YORK] (NYSE: COH) announced Joshua Schulman as President and Chief Executive Officer of the Coach brand, effective June 5, 2017. Schulman joins Coach from Neiman Marcus Group where he has served as President, Bergdorf Goodman and NMG International. From 2007 until 2012, Schulman was Chief Executive Officer of Jimmy Choo, Ltd. Prior to Jimmy Choo, Schulman served in senior executive roles at global retail and luxury brands including, Managing Director, International Strategic Alliances, Gap, Inc., Executive Vice President, Worldwide Merchandising and Wholesale, Yves Saint Laurent, as well as Worldwide Director, Women's Ready-to-Wear, Gucci.
Telesoft [PHOENIX, AZ] announced Charles Layne as Chief Executive Officer and member of the Board of Directors. Layne has spent more than two decades leading growth-oriented technology organizations, most recently serving as President of Signature Technology Group. Prior to 2011, Layne held senior leadership roles at Microsoft within the solution sales organization. He started his IT career as a consultant for IBM, and then joined Insight Enterprises where he served as an officer while running the Small and Medium Business Division, as well as, the Software Solutions Sales Division.
TFC Financial Management (TFC) [BOSTON] announced Renée Kwok, who joined the firm in 1991 and became president in 2005, will also serve the firm as Chief Executive Officer. Kwok began her financial career as an investment analyst at Asian Oceanic Limited. She later served as a security analyst for the Putnam Companies and immediately prior to joining TFC was a consultant for a fee-based planning and investment company.
Reliant Rehabilitation [PLANO, Texas] announced Chris Bird as the company's new Chief Executive Officer. Bird was recently Chief Operating Officer of FastMed Urgent Care. He previously was the CEO of ReachOut Healthcare America. Bird was also the President of RehabCare (formerly President of Peoplefirst Rehabilitation, Kindred Healthcare's rehab division prior to the acquisition and merger of RehabCare and Peoplefirst).
SomaLogic [BOULDER, Colo.] announced Alister W. (Al) Reynolds as the next company Chief Executive Officer. He is replacing Byron Hewett, who elected to step down from the role. Reynolds has served on the SomaLogic Board since 2003. In addition to his Board position at SomaLogic, Reynolds currently serves on the Board of Prodigo Solutions Inc. Previously, he served in a variety of senior executive positions for Quest Diagnostics Inc. and its predecessor company Corning Inc. for over 20 years.
Acelity L.P. Inc. [SAN ANTONIO] announced R. Andrew Eckert as President and Chief Executive Officer. Eckert succeeds Joseph Woody, who is leaving Acelity. Eckert is the former CEO of TriZetto Corporation. In addition to TriZetto, Eckert has led five other companies, including CRC Health Group, Eclipsys Corporation, ADAC Laboratories, and most recently, Valence Healthcare in 2016. He serves as Chairman of the Board of Directors of Varian Medical Systems, and is a member of the Board of Directors of Becton, Dickinson and Company.
Mack-Cali Realty Corporation [JERSEY CITY, N.J.] (NYSE: CLI) announced president Michael J. DeMarco will assume the title of chief executive officer. DeMarco is a veteran real estate investment professional. He joined Mack-Cali in 2015 as the president and chief operating officer. Prior to joining the Company, DeMarco held various leadership roles with several prominent real estate industry enterprises including Vornado Realty Trust, Fortress Investments, and Lehman Brothers Real Estate Investment Banking Group.
Friedman Industries, Inc. [LONGVIEW, Texas] (NYSE: FRD) has promoted Robert Sparkman to Chief Executive Officer and President. Sparkman has served as the Company's Chief Operating Officer and President since April 1, 2016. Sparkman previously served as Senior Vice President of Operations from April 2015 to March 2016, Vice President of Sales for the Company's coil division between 2002 and March 2015 and has been employed by the Company since 1979. William E. Crow previously served as Chief Executive Officer of the Company until his retirement effective April 1, 2017.
Aerosoles Group [EDISON, N.J.] announced that current Chief Executive Officer and President R. Shawn Neville will assume the role of Executive Chairman of the Board. Denise Incandela has been appointed to the position of Chief Executive Officer of the Company. Denise has also been appointed to the Company's Board of Directors. Prior to joining Aerosoles, Denise was President of Ralph Lauren Global Digital and CIEM. Before joining Ralph Lauren, Denise worked at Saks Fifth Avenue in senior roles including EVP & Chief Marketing Officer and EVP & President Saks Direct. Previously, Denise worked at McKinsey & Company. Denise is on the Board of Directors of CST Brands, Inc. and the Board of Directors of the Animal Care Centers of NYC. She is also on the Industry Advisory Board for The Wharton School's Baker Retailing Center.
InfoBionic [BOSTON] announced that Stuart Long was named Chief Executive Officer. Prior to joining InfoBionic, he was CEO at Monarch Medical Systems. Prior to Monarch, Stuart served as the global chief marketing and sales officer for CapsuleTech, Inc. Prior to CapsuleTech, Stuart worked in executive leadership at Philips Healthcare. Stuart also held executive positions at healthcare IT-focused companies including Agfa Healthcare, AMICAS, FUJIFILM USA and Eastman Kodak.
Relay Therapeutics [CAMBRIDGE, Mass.] announced the appointment of Sanjiv K. Patel to President and CEO. He succeeds interim CEO Alexis Borisy who is assuming the position of Chairman of the company's Board of Directors. Prior to Relay, Patel was at Allergan for over 10 years and was most recently part of Allergan's Executive Team, as Chief Strategy Officer. Prior to this, he held roles of increased responsibility, including leading Global Strategic Marketing for all franchises and general management of Allergan's. Prior to Allergan, Patel was a Management Consultant at Boston Consulting Group and he started his career as a surgeon in the U.K.'s National Health Service.
Save-A-Lot [EARTH CITY, Mo.] announced Kenneth McGrath as Chief Executive Officer. McGrath spent 13 years with Lidl in executive roles including Chief Executive Officer of Lidl Ireland from 2009 to 2013 and Chief Executive Officer of Lidl USA from 2013 to 2015. McGrath was selected by Lidl to spearhead the company's market entry into the U.S. before leaving to become CEO of the Caribbean and Central America region at Digicel. McGrath will be taking over from Eric Claus, Save-A-Lot's current Chief Executive Officer.
Pier 1 Imports, Inc. [FORT WORTH, Texas] (NYSE: PIR) announced it has named Alasdair James, as President and Chief Executive Officer with an effective start date of May 1, 2017. James will be added to the Company's Board of Directors after his employment commences. James spent his early career in international marketing and account management in positions of increasing responsibility across the globe, first at PepsiCo and then at GlaxoSmithKline PLC culminating with the position of Global Marketing Director for Future Brands. In 2007, he joined Tesco PLC where he held several senior executive roles. During his tenure at Tesco, James served as Commercial Director of the Global Business Unit as well as Executive Vice President and Commercial Director of Tesco China. James was most recently with Sears Holdings Corporation where he served since 2014 as President of Kmart.
Ascend Performance Materials [HOUSTON] announced that company president and chief operating officer Phil McDivitt has assumed the title of president, chief executive officer and member of the board of directors. Ascend's former CEO Frederic M. (Fred) Poses will retire and step down from the Board of Directors. McDivitt joined Ascend in April 2015 and was named president and chief operating officer last year.
ACTIVE Network® [DALLAS] announced that it has appointed Dana Jones as Chief Executive Officer. Darko Dejanovic, who has been ACTIVE Network's CEO since November 2013, will assume the role of Executive Chairman, and will continue to serve on ACTIVE's Board of Directors. Jones joined ACTIVE Network in October 2016 as President. Prior to ACTIVE, Jones held Executive and General Management positions for early stage and publicly traded enterprise software companies over the last 20 years. Most recently, she was Chief Marketing Officer and Senior Vice President of Solutions Management for Sabre Airline Solutions.
Terumo Cardiovascular (CV) Group [ANN ARBOR, Mich.] announced that Robert (Rob) DeRyke has been appointed President and CEO of Terumo CV Group, following the retirement of long-time President and CEO Mark Sutter. Prior to this appointment, DeRyke served as President of Terumo CV Group's Electromechanical (EM) Systems Division. DeRyke joined Terumo in 2012 as Vice President of Corporate Quality for Terumo CVS. He has over 25 years' experience in medical devices and pharmaceuticals, and has held executive leadership positions for Baxter Healthcare, Hospira, and Thermo-Fisher Scientific.
The Gemini Companies [HAUPPAUGE, N.Y.] have appointed Kevin Hesselbirg as CEO. Hesselbirg will take over the role previously held by Andrew Rogers, who has resigned from the position. Rogers will continue working at Gemini in an advisory capacity to ensure a smooth transition. He is an experienced leader of growth-oriented technology and tech-enabled service organizations within the financial services sector, including Ernst & Young, OpenLink Financial, and Primatics Financial. At OpenLink Financial, he began as Chief Financial Officer and later earned promotions to Chief Operations Officer and CEO. Most recently, Hesselbirg served as CEO of Primatics Financial.
MageMail [BOSTON] announced the addition of Erik Bullen as CEO. Bullen's recent roles include VP of Global Services at Brightcove, VP of Digital Strategy and Innovation of Mobiquity, and Executive Director at Frog Design.
Keane [NEW YORK] announced that it has named Kevin Ryan as Chief Executive Officer. Prior to being named as CEO, Ryan served in the position of Keane's Chief Financial Officer since 2014. Prior to joining Keane, Ryan began his career in public accounting, working for multiple "Big 4" accounting firms.
Pilot Lite Ventures [NEW YORK] has appointed David A. Behringer as CEO of Pilot Lite Ventures USA. Behringer spent more than two decades at Kraft Foods, most recently as the Kraft Fellow for discovery, incubation and adoption of enterprise-wide disruptive innovation. Most recently, Behringer served as chief technology officer for the technology startup 915 Labs.
Risk International [AKRON, Ohio] announced the appointment of Todd R. Miller as the company's CEO. Miller, who has served as the company's president since 2016, will continue in this role and assume the added responsibilities effective July 1. Michael Davis, the company's CEO since 2009, will remain with the company as its vice chairman. Miller joined Risk International in 2015 as chief growth officer and executive vice president. Previously he held various leadership positions at Oswald Companies for more than 15 years.
Couchbase Inc. [MOUNTAIN VIEW, CA] announced the appointment of former Veritas President Matt Cain as Chief Executive Officer and Board Member. Cain succeeds Bob Wiederhold, who has served as Chief Executive Officer of Couchbase since 2010 and will remain as Executive Chairman. Most recently, Cain served at Veritas Technologies LLC as President of Worldwide Field Operations. Before that, he was Chief Product Officer. Cain previously held a variety of senior leadership roles at Symantec and spent a decade at Cisco Systems.


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I arrived in Tacloban, the city hit hardest by Typhoon Haiyan, just as desperate families were trying to flee. The airport was chaotic and barely functioning. Located on a thin peninsula, it had been slammed on both sides by huge surges of water and battered by some of the highest wind speeds ever recorded on land. Filipino military and U.S. Air Force personnel were ferrying aid, trying their best to control the crowds as survivors scrambled to board any available flight.
The next day I set out to capture the destruction of the city and surrounding area. The scope and magnitude of the physical damage was staggering as was the misery of the people I encountered. They were desperate for food, water, shelter and a way out.
Bodies were literally piled in the streets. Even now, a full week after the typhoon struck, authorities are still searching the rubble for the dead so they can bury them in mass graves. A firefighter I met was on duty the night of the storm and has returned each day to his destroyed neighborhood to look for the bodies of his father and brother.
It seemed to take a long time for aid and relief to reach those who needed it. The first food handout I saw in Tacloban occurred more than four days after the storm. Despite the dire shortages of nearly everything, people have been remarkably hospitable to me, even offering me food from what little they had. It's humbling to witness that sort of generosity and resilience. I hope as the media spotlight fades, the rest of the world does not forget the plight of the thousands here who have had their homes and lives ripped apart.
Adam Dean is a photographer based in Beijing. He is represented by Panos Pictures.


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How to Protect Your Screen Privacy
Nowadays screen privacy is an issue that everyone is facing either in the crowded office with inquisitive colleagues and a patronizing boss or at home with over-caring and curious relatives. Usually when writing a confidential email, checking your bank account, entering sensitive data in a web form or performing other private tasks you would prefer nobody to watch. Unfortunately people are curious creatures by nature and often will try to check on your activities.
You have several options in such case:
- do nothing
- close the active window, consequently losing all data entered in it
- reboot the computer and lose yet more data
- use Boss Key to instantly hide the active window
MindGems Inc. has released Boss Key 5.0 that can completely solve these issues. How does Boss Key protect your screen privacy:
- Hides all windows/applications instantly with a press of a keyboard or a mouse shortcut
- Preserves the running applications active while they are hidden and preserves your data in tact
- Mutes sound if important audio with sensitive content was playing
- Restores display resolution if you were watching a movie or playing a game
- Hides the system tray in order to cover applications like Skype, ICQ
- Restores all the applications to the state before hiding them with the press of a single key stroke
Boss Key is available for download free of charge. While you may not always need a boss key application you can install this all-in-one privacy tool that may save you a lot of headaches. It will be there for you when you need it the most!


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Argentina take II
First of all, greetings to those physicists I've met over the last few days who, unbeknownst to me, have been following my travel adventures (hi to Joe and Jorge in particular) - it's nice to know that my random walk across the globe has brought some light relief from the task of enlightening our views of space and time!
Today is the last day of the conference in Buenos Aires, which has seen three days of really fantastic speakers, and me, giving talks on all aspects of quantum gravity. My talk (strings on bubbling geometries) was yesterday and in half an hour I managed to get through the material but felt that the last ten minutes or so was really rushed - given that the last part of the talk leaves the most impression, I left feeling a little underwhelmed by my performance but I've had some good conversations since with people who were interested in the work. A few new possibilities have also emerged and I'll be looking into these when I get a spare moment.
After 9 days of around 5 or 6 hours of seminars daily I'm feeling a little saturated. I'm also feeling itchy to sit down in one place for a few days at a time and do some work (I think that the next time I have more than two weeks in one place will be in Beijing in October!). Currently I can only snatch a few minutes here and there to read papers and go through calculations which my collaborators are tearing ahead with - a couple of night sessions has insured that I don't fall too far behind but over the last week or so I've not been able to do my share of the work.
I have this weekend to look around Buenos Aires, which I haven't done at all yet (apart from day one of the trip) and then I'll be flying to Bariloche, in Patagonia, on Monday evening where I'll give a couple of talks over a four day period. It's going to be a fine balance between taking advantage of the time available to sit down and work, and seeing what is supposed to be some of the most stunning countryside in South America. A bus ride into Chile a week from now should be a good opportunity to see the Andes up close but I fear that a full exploration of any area is not going to possible with such a short time here.
Anyway, lectures are restarting now but I'll try and upload some pictures from the conference in the next few days.


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That was quick! Just a month and 10 days after his wife Camille Grammer filed for divorce, actor Kelsey Grammer, 55, has gotten his girlfriend pregnant.
Kelsey, who's wife Camille is currently filming the upcoming Real Housewives of Beverly Hills, confirmed through his rep yesterday that his British girlfriend Kayte Walsh is pregnant.
Just days after Kayte's father confirmed his daughter was pregnant by Kelsey to the Daily Mail, his rep tells UsWeekly: "Kayte and Kelsey are happy to confirm what Kayte's father told the London Daily Mail is true."
There's no word on how far along Kayte is or how long she and Kelysey have been together, you know considering the divorce filing was only a little over a month ago. Kayte's father, Alan Walsh, told the Daily Mail that his daughter is a flight attendant and that he thinks they met in New York.
"I don't know how long they have been together and I have not met him yet, but I'm looking forward to it. We just found out about her pregnancy a couple of days ago," added Alan.
Kelsey and his third wife, 41-year-old former Playboy model Camille are parents to daughter Mason, 8, and son Jude, 5 . Kelsey's child with Kayte will make his 5th child by a 4th woman.
Bravo has yet to announce a premiere date for the Real Housewives of Beverly HIlls, but something tells us all this drama will make for great TV.
UPDATE – More pictures of Kayte below. She looks to be covering up a bump in one of them. Could she be much further than a month pregnant?


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This is the first declassified view of the weapon bays hidden inside the belly of Lockheed Martin's F-35 Lightning II, carrying a standard load: It shows two AMRAAM missiles and two 2000-pound JDAM bombs. Here's an even closer look:
The declassified document also shows all the ordinance you can load in this beast:
A lot of pew-pew power indeed. [PDF via The Dew Line]


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Schwarzenberg (Lobkowicz) Palace - Hradčanské Square 2/185, Hradčany
Hradčanské Square 2/185, Hradčany
Monumental three-wing Renaissance palace, commissioned by Jan of Lobkowicz Jr., built according to a plan of A. Galli (Vlach) in 1545-67 on the site of four houses that burned down during a fire of the Lesser Town and Hradčany; it is one of the principal monuments of Czech Renaissance period. The façade with gables and a projecting lunette cornice are all covered with sgraffito, inspired by North Italian graphic models in 1567. Inside the palace painted panel ceilings from 1580 were preserved in the halls on the second floor, displaying ancient Greek gods and allegorical characters. True to the builder´s intention, the palace is one of the dominant points of the Hradčany Square and it stands out in the Hradčany skyline, so that it represents the second most powerful noble family in the country in a dignified, even an overbearing, way. In 1694 Jiří of Lobkowicz was punished for an offence of the Emperor Rudolph II and his property was confiscated, new owners of the palace became the Rožmberk family, then the Eggenbergs and in 1719 the Schwarzenbergs. In 1871-90 some partial reconstruction works were done and the sgraffito were renovated, also again in the 1950´s. The palace maintained its original look both on the outside and inside. Until recently the palace hosted the exhibitions of old weapons and uniforms of the Historical Military Museum, at present time it is refurbished for the National Gallery; the collections of Czech Baroque art will be displayed there.
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The former Governor of California, fresh off his political stint, is returning again to the world of entertainment.
Entertainment Weekly says Schwarzenegger will lend his voice to a cartoon superhero, appropriately called "the Governator." The show—complete with corresponding comic book series—is being co-developed by comic genius Stan Lee.
First, the bad news. The show won't be on TV until sometime next year. The good news? "We're using all the personal elements of Arnold's life," Lee tells Entertainment Weekly.
"The Governator is going to be a great superhero, but he'll also be Arnold Schwarzenegger."


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Slumping slugger David Ortiz will not play again until the Red Sox return to Boston on Tuesday in the hopes that a mental break helps him escape the worst slump of his career.***
Terry Francona says Ortiz's time out of the lineup may last for rest of the weekend:
Maybe I was too late in doing this. I hope not. I just think he needs a deep breath. ... if there's a time to step back and take a deep breath, it will help us in the long run. [How long will he be out?] We'll see. It might go a couple [days].That would put Flo back in the lineup at home on Tuesday against the Blue Jays.
Mike Lowell knows what it's like to be written off as a hitter:
I don't buy the bat speed [argument]. I don't buy the Manny deal. I just think maybe he's not seeing the ball and that triggers other things. I think he just needs a day where he squares the ball up three or four times, and it just snowballs from there. ...This hit chart for 2009 shows only five of Ortiz's 27 hits pulled into right field.
When he's back in the lineup, he should treat it like the season starts that day. If he goes 0-for-4, that's fine. People go 0-for-4 on Opening Day all the time. Just take it like that. If you stare at the numbers, you'll never win.
During the winter, Julio Lugo looked at videos tapes of himself with Tampa Bay and with the Red Sox. He found that his stance had changed dramatically. As the Globe notes:
In the Rays video, Lugo stood with his back straight, his head upright, and his eyes pointed toward the pitcher. In the Sox video, Lugo hunched over the plate, his head cocked to one side, one eye hidden and one eye squinting at the mound. The change occurred gradually and by accident.Secret Weapon*:
I can put better swings on the ball instead of just jabbing at it. I can drive the ball. I'm not a power hitter, but I can drive the ball, get the ball through the infield. That, I've always been able to do.Lugo is currently batting .326 and slugging .457 (5th best on the team).
John Smoltz celebrated his 42nd birthday on Friday by pitching two simulated innings (which actually worked out to roughly nine or 10 outs). ... Daisuke Matsuzaka pitched for Pawtucket last night: 5-3-2-1-9 (70 pitches, 48 strikes). All of the hits and runs came in the first inning. In three rehab starts, Matsuzaka has allowd two runs in 11.2. He will join the team in Boston on Monday.


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Via Napoli offers authentic Neapolitan wood-fired pizzas, pasta, and meat dishes that are sure to make any Italian food fiend happy. The soaring ceilings, rustic frescoes, and massive wood ovens — named Vesuvio, Etna, and Stromboli after three active volcanoes in Italy — found in the restaurant offer a casual dining experience for Epcot guests.
Service: Table-Service
Type of Food: Italian
Location: Epcot, World Showcase, Italy Pavilion
Disney Dining Plan: Yes, One table-Service credit per person (if you order pizza to split, one table service credit will be deducted from each guests' total)
Tables in Wonderland: Yes
Official Disney Menu
Via Napoli Menu
Via Napoli Children's Lunch/Dinner Menu
2012 Review — Via Napoli
Guest Review: Epcot Food and Wine Festival Pizza and Beer Pairing Event at Via Napoli
Disney Food Blog Review: Epcot Food and Wine Festival Beer and Pizza Tasting Event
Guest Review: Beers Around the World,Part 1
Disney Food Blog Review: Epcot's Via Napoli
Disney Food Blog Review: Epcot Via Napoli Media Preview…Review
Guest Review: Via Napoli
Guest Review: Via Napoli
Naples Review: Is This What We Can Expect from Epcot's Via Napoli?
Guest Review: Lunch at Via Napoli in Epcot's Italy Pavilion
Guest Review: Via Napoli's Arancini Appetizer in Epcot
Disney Food Blog Review: Via Napoli in Epcot's Italy Pavilion
Disney Food Blog Review: Lunch at Via Napoli in Epcot's Italy Pavilion
Disney Food Blog Review: Via Napoli in Epcot's Italy Pavilion
Disney Food Blog Review: Italian Food and Wine vs. Beer Pairing at The Epcot Food and Wine Festival!
Disney Food Blog REVIEW! Have a Grown-Up Popsicle with the Strawberry Dream Rossini in Disney World!
Disney Food Blog REVIEW! Lunch at Via Napoli Will Always Have a Pizza Our Hearts
Important Info:
- Note that when ordering pizza to share at the table, one Disney Dining Plan table service credit will be deducted from the total of each guest sharing.
Famous Dishes: Wood-fired pizzas, lasagna verde, arancini appetizer, Piatti alla Parmigiana
Disney Food Blog Posts Mentioning Via Napoli
You Might also Like: Mama Melrose's Ristorante Italiano, Il Mulino, Tutto Italia


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Four Days to Glory: Wrestling with the Soul of the American Heartland
Somewhere beyond the circle of money, glitz, drugs, and controversy that characterizes professional sports in America, remnants of an ideal exist. In Iowa, that ideal survives in the form of high school wrestling.
Each a three-time state champion, Jay Borschel and Dan LeClere have a chance in their senior year to join the sport''s most elite group: the "four-timers," wrestlers who win four consecutive state titles. For Jay, a ferocious competitor who feeds off criticism and doubt, a victory would mean vindication over the great mass of skeptics waiting for him to fail. For Dan, who carries on his back the burdens of his tiny farming community, the dreams of his hard-driving coach and father, and his own personal demons, another title is the only acceptable outcome.
Four Days to Glory is the story of America as told through its small towns and their connection to sport the way it was once routinely perceived: as a means of mattering to the folks next door.
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Blog Contest!
by exercisebeforeknitting
As promised, a blog contest for free stuff! As if any of you need more yarn…
This is a destashing more than a contest, I must say. I took a good look at my stash and saw some things that don't have projects attached to them. Leave me a comment and give me a link to a knitting blog you like to read and also tell me which one of the three items you'd like. I'll draw names out of a hat for each item. Please don't all say Yarn Harlot. We all know she's great but I'm interested in undiscovered blogs, not ones with 7534875849357894375893475934 subscribers.
Enter before 5 p.m. (CST) on Friday, April 27th. I will draw the three winners while celebrating getting through another chemistry test. I'll post winners and a list of interesting blog reads on Friday evening.
The Prizes
1. )Two skeins of Fortissima Cotton sock yarn in a kelly green color, 231 yds/ball, 26sts/4 in on US 1-2. I made some socks for my mom out of this stuff and it's really soft and nice to knit with.
2.) Four skeins of fingering weight 100% wool from Jojoland, 220 yds/ball, 7-8sts/in on US 1-3. This would be good for lace. It's not scratchy wool.
3) The Spring Interweave Knits
Somehow, I wound up with an extra copy. Who wants it?


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1933 Suspension System Assembly - Tudor Tales
Part 3: Bringing Up The Rear
For all those assuming that assembling a suspension system is just that—assembling suspension—think again. While that may be the case in some situations, let me tell you, when you're building a chassis from scratch, it definitely ain't one of those situations. Blueprints, diagrams, and jigs may indeed go a long way toward reaching that cherished point of actual parts assembly. When it comes to initially setting everything up, the two important factors that really matter are time and patience. That last one is something my maker forgot to equip me with at birth, because anything that doesn't happen immediately, usually doesn't happen. That said, Jimmy White must've inherited my share of the fortitude, not to mention extreme tolerance of annoying factors like me!
The frontend is where we cut things off last month—had it not been for the extreme misfortune of having to resort to a backup plan as far as the radius rods were concerned, we may have been able to combine both ends of the suspension spectrum in one issue. Well, then again, maybe not. Even though we were able to retain Alan Johnson's Hot Rod Hole Shot aluminum rear radius rods, it took some time to properly set them up along with one newly acquired drivetrain component.
With the ladder bars remaining on the parts list, the rearend of choice wound up being a Winters Performance steel tube (non quick-change) banjo—an absolute work of axle art! When I first became aware of their all-new banjo rear, the looks clearly stole my heart right from the start. But, upon further investigation, its features sealed the deal: Winters steel tubes/bells, cast-aluminum banjo, big bearing (Torino) 31-spline axles, 8 3/8-inch, 3.78:1 ring-and-pinion, and traction-sensing Wedgelock gear-drive differential. It may look like an early Ford banjo from the outside, but beneath the surface is anything but. White hung the Winters rearend from the chassis using a SO-CAL Speed Shop '40 Fordstyle spring with Circle City Hot Rods (CCHR) hangers/brackets and painted tube shocks mounted via SO-CAL's tubular crossmember.
With all the tedious measuring, leveling, and re-measuring out of the way, we finally have ourselves a rolling chassis. Next on the list: engine/trans mounting, steering, and pedal assembly.
[1] Fortunately, caster did not play a negative factor with the rear suspension! The Hot Rod Hole Shot ladder bars from Alan Johnson's Perfection Hot Rod Parts are about to see some action, thankfully.
[2] Jimmy White has constructed a jig for use when fashioning up rear spring hanger brackets, as shown here. Our transverse leaf is a '40-style unit purchased from SO-CAL Speed Shop.
[3] Jimmy White has constructed a jig for use when fashioning up rear spring hanger brackets, as shown here. Our transverse leaf is a '40-style unit purchased from SO-CAL Speed Shop.
[4] As mentioned numerous times in the past, the decision has been made not to go with a stock-location fuel tank, and here's the main reason why—a Winters steel-tube banjo rearend. No point in concealing this work of differential art, right?!
[5-6] In order to set the rear suspension up, we de-leafed the rear spring and added a spacer so that the rearend could be put under load and the ride height simulated.
[7] Compressing the rearend till it "looked good" wasn't exactly what we were after. What we needed to do was take into consideration a number of things, including the overall diameter of the wheel and tire combo. Since I'll be running a 16-inch Wheel Vintiques wire wheel with a 700R16 Excelsior Stahl Sport tire, I've got just under 30 inches to accommodate. The framerail will likely be notched accordingly for rearend clearance.
[8] Though supplied laser cut as one piece, Johnson's ladder bar axle tabs were severed in half prior to installation, as our axle tubes already had their bearing flanges welded in place.
[9] Initial setup of the ladder bars was a bit cumbersome, having to balance the rods on bottle jacks and tubing tack-welded to the framerails all the while carefully lining everything up.
[10-11] Early on, White and I had entertained different options for the chassis X- or K-member. The forward mount for the rear ladder bars Johnson provides is intended to be integrated into a similar, tubular-type setup. In the end, however, we wound up lengthening the mount and attaching it to the framerails.
[12-14] Aligning the axle tube brackets required a good chunk of patience—since the ladder bars were attached to the forward crossmember, even though it wasn't attached yet, each time one side was adjusted, the other came out of adjustment. Squaring them up was simply icing on the frustration cake.
[15-16] With everything in harmony, White set the pinion angle in the 3-degree ballpark before fabbing up a brace to hold the rearend solidly in place.
[17] And once again, the positioning and alignment of the brackets were triple-checked before the TIG was even fired up.
[18] Having the pinion braced allowed the brackets to be tack-welded without worry of the rearend walking away in the process.
[19] As mentioned, the forward tube crossmember was stretched (by sleeving the inside and adding lengths of tube to each end) prior to being welded to the frame rather than incorporating into a formal center crossmember.
[20] Save for the aforementioned wheels and tires, we now have ourselves a rolling chassis!


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Listen free for 30 days
Midnight Rising
Best-selling author Tony Horwitz tells the electrifying tale of the daring insurrection that put America on the path to bloody war....
Plotted in secret, launched in the dark, John Brown's raid on Harpers Ferry was a pivotal moment in U.S. history. But few Americans know the true story of the men and women who launched a desperate strike at the slaveholding South. Now, Midnight Rising portrays Brown's uprising in vivid color, revealing a country on the brink of explosive conflict.
Brown, the descendant of New England Puritans, saw slavery as a sin against America's founding principles. Unlike most abolitionists, he was willing to take up arms, and in 1859 he prepared for battle at a hideout in Maryland, joined by his teenage daughter, three of his sons, and a guerrilla band that included former slaves and a dashing spy. On October 17, the raiders seized Harpers Ferry, stunning the nation and prompting a counterattack led by Robert E. Lee. After Brown's capture, his defiant eloquence galvanized the North and appalled the South, which considered Brown a terrorist. The raid also helped elect Abraham Lincoln, who later began to fulfill Brown's dream with the Emancipation Proclamation, a measure he called "a John Brown raid, on a gigantic scale." Tony Horwitz's riveting book travels antebellum America to deliver both a taut historical drama and a telling portrait of a nation divided - a time that still resonates in ours.
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- Lord Peridot
- 03-07-17
Excellent account of this important subject
The author skillfully weaves much research on John Brown into a compelling and fascinating account of his life long struggle against slavery culminating in the Harpers Ferry raid which resulted in his arrest, trial and execution. Its the years preceding the raid and the consequences of the raid that make Brown such an interesting and important person. Throughout, the author writes with a deft touch, introducing each of many characters with brief descriptions and colourful incidental material which brings the story alive. The reader also does a brilliant job, subtly intoning the words of each character, not least Brown himself. Oreskes is clearly a very talented actor.
2 people found this helpful
- Lynn
- 18-06-12
Up from Obscurity
I had not really thought about Harpers Ferry since college. Then I encountered Tony Horwitz's Midnight Rising. I choose books about topics unfamiliar to me and this book was a great choice. First, Horwitz approaches his subject with the freshness of a student discovering an issue for the first time. He certainly does his homework. The Horwizt tale of John Brown's raid is so rich that I wonder how I missed the wonder of the story the first time it was introduced to me. For many this story is simply 'Old John Brown's body lies moldering in the grave, while weep the sons of bondage who he ventured all to save' and so on. I assume Civil War buffs are conversant, but the story has faded largely into general obscurity. Horwitz refers to John Brown and Abraham Lincoln as 'bookends to the Civil War.' Brown's contribution should receive wider appreciation and Horwitz has done his part to bring this about. The reading of Dan Oreskes ads vitality.
6 people found this helpful
- Darek Thomas
- 28-07-19
Awesome book! Awesome story!
Tony Horwitz commands the past and writes with pure brilliance. This is a story America needs right now.
2 people found this helpful
- William
- 14-12-12
By far the best version of John Brown and the Harpers Ferry raid I have ever read. Much better detail. The author puts the raid in context with the times and in relation to several other catalytic events that preceded the Civil War. I am well read on the Civil War but learn quite a bit from this story. Great narration which is key to all auidobooks!!
2 people found this helpful
- hermanous
- 06-09-14
Amazing Story
Tony Horwitz' detailed account of the doomed raid that sparked the Civil War really is an amazing book. What I appreciated most were all the resources that the author availed of himself to paint a picture of John Brown that makes him less a "madman" and more detailed in three dimensions: resolute, not the best planner, earnest, honest, sincere in his beliefs. I think the rush to justice after his plot failed was just as interesting and speaks to many ways how politics and the media made his place in history more than he ever could. If you haven't listened to "Confederates in the Attic", another wonderful book from Tony Horwitz, I'd recommend it.
1 person found this helpful
- Blake
- 02-03-14
Another Horwitz gem
Serious scholarship. Great narrative. Great narrator. Fascinating subject. I don't know what's not to like here. Live John Brown or hate him, you can't say that his story is boring. Or irrelevant. I could go oping by point, but I'll put it more succinctly: if you are a lover of American history like me, you owe it to yourself to read this book. It's nearly as important a subject as exists. And his author is one of the very best.
1 person found this helpful
- Rodney
- 07-05-13
Great Book
I've read a ton of Civil War books and was familiar with John Brown's raid and the importance of it but I didn't know the subject in great detail, which is why I picked up this book.
Simply said it's an excellent book and I think it strikes the right tone. I'm always afraid that whenever the issue of slavery is brought up in a modern book it's going to fall into the PC camp of needing to constantly apologize or into the demonizing / hero worship trap. I never really found any hints of an agenda, which only makes me appreciate the book that much more.
The author does a great job of setting the scene, gives enough of a background on Brown that you know him but keeps the story moving along at a good pace. I felt he covered everything in good detail so even if you didn't know anything about Brown or the aftermath of this raid you'd fully understand what happened, why and why it was later important.
The reader does an equally impressive job -- it's a straight read for the most part but it's very clear, moves at a good pace and I didn't really notice any mistakes or errors.
Overall I highly recommend this to anyone wanting to learn more about Brown, or more importantly anyone interested in Civil War books since this is really part of the build up as much as anything else that occurred.
3 people found this helpful
- Sara
- 08-05-12
Great listen on the history of John Brown
If you could sum up Midnight Rising in three words, what would they be?
History, craziness, fascinating
What other book might you compare Midnight Rising to and why?
I would probably compare them to Tony Horwitz's other books as I find all of them to be interesting reads on history.
What does Dan Oreskes bring to the story that you wouldn???t experience if you just read the book?
You could listen to the things John Brown said, instead of reading it- I think it helped to understand/picture the events.
Did you have an extreme reaction to this book? Did it make you laugh or cry?
I was shocked by the sheer stubborn craziness of John Brown and he willingness to lead his sons to take place in violent raids. I hadn't ever realized how bloody and violent John Brown was, I was definitely surprised by the constant use of violence and his virtual abandonment of his family.
Any additional comments?
I didn't know much about John Brown, so learning about his childhood, role in Bleeding Kansas, his planning and eventual follow through of the raid on Harper's Ferry was fascinating and I would encourage anyone who doesn't know much beyond the basic facts to listen to this book.
1 person found this helpful
- Amazon Customer
- 30-11-11
Excellent and engrossing
This is a well written, well researched book that really gives the reader a feel for all the people involved. The author draws from the letters and writings of John Brown and his followers and brings the people he is writing about alive. I got "to know" the people and why they took the actions that they did.
1 person found this helpful
- Zak
- 28-08-20
Listened to it in only a few days, captivated
fascinating history, with much to.teach those that continue this unfinished battle for racial equality today
- Amazon Customer
- 08-05-19
amazing telling of history
growing up in Kansas, we were taught about John Brown pretty extensively but this book covered so much more and kept me on the edge of my seat, awesome performance by the voice actor as well


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Items Tagged with "Privacy"
Expect Behavioral Analytics to Trigger a Consumer Backlash
August 10, 2020 Added by:Steve Durbin
The deployment of cameras, sensors and applications in public and private places for behavioral analytics will be followed by consumer and regulatory backlash.
Comments (0)
Augmented Reality Will Compromise the Privacy and Safety of Attack Victims
July 08, 2020 Added by:Steve Durbin
Augmented Reality (AR) technologies will provide new opportunities for attackers to compromise the privacy and safety of their victims.
Comments (0)
Gaining Control of Security and Privacy to Protect IoT Data
April 24, 2019 Added by:Mike Nelson
It's a matter of who is in control of our data. Today, IoT device manufacturers and businesses are in control. In the future, we must be in control of our own information.
Comments (0)
"Can you Hear Me Now?" - Security Professionals Warn about Who May Be Listening
June 27, 2018 Added by:Jeannie Warner
In light of the recent move by Verizon to stop sharing location data with third parties, companies need to rethink strategies for data gathering from users.
Comments (0)
GDPR: Ignore It at Your Own Risk
May 09, 2017 Added by:Tomáš Honzák
The GDPR will change business as we know it, and the best we can do is make sure we're prepared.
Comments (0)
One Encryption Backdoor Is One Too Many
August 11, 2016 Added by:Joe Levy
Although the FBI no longer needs to force Apple to unlock an iPhone that belonged to one of the San Bernardino terrorists, the debate must continue. Strong encryption that cannot be exploited by external or internal actors is a must for any organization.
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Black Hat, DEFCON and the Summer of Our Discontent
July 21, 2016 Added by:Paul Shomo
I see wisdom behind the instinct to resist information authority. Human hierarchy tends to pyramid into increasingly fewer numbers up top. If you're going to fight for rights, there are more individuals at the bottom and more power to abuse from above.
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California Privacy Advocates Urge Defeat of Federal Data Breach Notice Bill
April 14, 2015 Added by:InfosecIsland News
Six California privacy and consumer groups have called on members of the US House Energy and Commerce Committee to oppose federal legislation that would wipe out California's landmark data breach notification laws.
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Mandatory Privacy Impact Assessments for Dutch Government IT Projects
October 24, 2013 Added by:Matthijs R. Koot
As of September 1st 2013 in the Netherlands, a new rule applies to ICT proposals initiated by the national-level government entities (Ministries, etc.): ICT project proposals must now include a Privacy Impact Assessment (PIA).
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You're an Internet Celebrity: Deal with It
July 18, 2013 Added by:Robert Siciliano
Managing a digital life means knowing what you are consuming versus what you are expelling, recognizing what you are sharing versus what you are protecting. Is privacy possible? To a degree, yes.
Comments (1)
The New Facebook Graph Search: How You're Helping Hackers Gather Information
July 15, 2013 Added by:Tom Eston
Check your privacy settings to make sure your private information doesn't easily show up in Facebook's new search engine
Comments (8)
The Private Communication Encryption Conundrum
July 08, 2013 Added by:Keith Mendoza
Demanding that communication providers offer encryption of private communication is great; however, there are major hurdles that needs to be overcome from a technological and usability standpoint.
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Why I'm Not (very) Worried about PRISM
June 20, 2013 Added by:Eric Knapp
The NSA is tapping into our digital lives, monitoring voice calls, emails, social media, and who-knows-what-else. I understand, and try to live by, one of the best pieces of advice I've ever received on the topic of privacy: "assume that everything you do and say is being watched and heard, always."
Comments (1)
Balancing Act Between Privacy and Security
June 13, 2013 Added by:Jarno Limnéll
Privacy and Security: Both are mandatory – and necessary. Privacy is inherent in our contemporary understanding of democracy, whereas security requires intelligence. The challenge lies in being able to find the right balance while avoiding excesses.
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Security vs. Personnel and Employment Applications
April 24, 2013 Added by:Allan Pratt, MBA
Does your company use those out-of-date applications where the applicant must provide his or her Social Security number and driver's license number? If so, throw them out immediately. You could be setting your business up for a potential lawsuit.
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New California "Right to Know" Act Would Let Consumers Find Out Who Has Their Personal Data -- And Get a Copy of It
April 03, 2013 Added by:Electronic Frontier Foundation
A new proposal in California, supported by a diverse coalition including EFF and the ACLU of Northern California, is fighting to bring transparency and access to the seedy underbelly of digital data exchanges.


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The Independent Investigations Group investigates pseudoscience; particularly therapeutic touch in professional nursing. Just how well regulated is nursing in California?
Presentation Video
Presentation of CBRN Investigation by Brian Hart at the 2010 TAM8 Conference in Las Vegas.
The California Board of Registered Nursing (CBRN) oversees and licenses more than 350,000 registered nurses in the Golden State. 1 Nurses in California must complete thirty hours of continuing education units (CEUs) every two years to remain licensed. These units must be issued by certified CEU providers and "must be relevant to the practice of nursing." 2 The courses may, however, be related to topics as varied as "social and behavioral sciences. . . therapeutic interpersonal relationship skills. . .and nursing administration." 3
There is no ongoing reporting mechanism to keep track of each individual's CEUs. Nurses comply based on the honor system but are expected to submit proof of coursework if requested. Correspondence courses can qualify for credit, and the board requires little substantiation that anything has been learned. 4
A Tectonic-sized Crack in the System
The Independent Investigations Group (IIG) at the Center for Inquiry/Los Angeles has been an active skeptics group since January 2000. When we at the IIG learned that a nursing CEU provider called Clearsight was offering credits for a class in "energetic medicine," we investigated. "Energetic medicine" is Clearsight's name for therapeutic touch (TT), the manipulation of alleged energy fields such as chakras and auras over the body. (The practitioner's hands make no actual contact with the patient.) Clearsight advertised that they were licensed by the state of California to teach the following to registered nurses:
The skills of "seeing energy" to see and diagnose body organs; to scan the physical and energetic bodies for disharmonies or illness; and to heal the aura and chakras, the energetic systems of the body.
Clearsight introduces you to the skills of Free Will, the art of energy diagnosis, how to make Separations from your Healee so you do not take another person's energy or disease home and how to release old patterns and stuck energy in your body and auric field. When you use Clearsight healing skills you clear and clean the entire energy field (chakras, channels and aura) and grow and evolve evenly at the rate of growth you are ready to access. 5
Our shock at discovering that such a pseudoscientific course had been sanctioned by an ostensibly scientific government agency led us to inquire about Clearsight's application. Had Clearsight defrauded the CBRN in order to cash in on the CEU market?
Sacramento, We Have a Problem
After some prodding to remind the CBRN that Clearsight's provider application was public record, the IIG received a copy of the application and discovered that it was blank in some places and that the instructor's educational credentials consisted of a BA in comparative religion and a ministerial certificate from the Church of Divine Man a psychic institute that offers healings, psychic readings, and other such activities. 6 The application also made the unsubstantiated claim that "medical science has recognized and quantified the existence of a human energy field which, when blocked, may result in a broad range of physical and psychological ailments." 7
From January to May 2006, IIG investigators had a frustrating series of exchanges with the nursing board. Initially, we asked that they withdraw Clearsight's certification to teach energetic medicine based on the omissions in the application and the lack of supporting medical value for the practices being taught. We naively thought that after we pointed out these (what we thought were stunning) revelations, the board would recognize their oversight and withdraw Clearsight's certification to teach New Age malarkey. We had no idea our odyssey was just beginning.
In a February 2006 letter, then CBRN Executive Officer Ruth Ann Terry wrote to IIG investigator Owen Hammer that "nurses' need to be informed about these techniques in order to understand the patient's/client's perspective and learn what is involved in each technique." 8
IIG Chair James Underdown addressed the board personally in May and June of 2006 and argued that Clearsight's course was not a class about energetic healing; it was a course teaching (i.e., endorsing) energetic healing, an unscientific concept. The IIG submitted a proposed rewrite of the current rules that would help prevent future lapses in science standards.
The current rules say (in effect) that content must be relevant to the practice of nursing, related to scientific knowledge, or related to client care. 9 Our proposed change was that content must be relevant, scientific, and related to client care. We also submitted a clause clarifying the definition of scientific and a change providing for automatic withdrawal of certification from CEU providers who give false information on an application.
The IIG then contacted the California Department of Consumer Affairs, which oversees nursing regulations, and received a reply in July 2006 that defended the granting of Clearsight's certification. In August 2006, Underdown addressed the board's Education/Licensing Committee in Sacramento. There, the IIG was informed 10 that the board will "award a CE Provider number to the applicant if the alternative or complementary medicine modality is discussed in the publication Best Practices in Alternative and Complementary Medicine. 11
Best Practices, which would be key to our investigation, is a hard-to-find publication that is regarded by the board as its guidepost to educational policy. It contains sections on TT, magnet therapy, Reiki, aromatherapy, homeopathy, and qigong. The material on these topics is highly credulous 12 despite poor scientific support and wide criticism in the Skeptical Inquirer and other journals. The board nevertheless defended the licensure of energetic medicine classes and other alternative medical practices by citing Best Practices as an acceptable standard.
After an exhaustive search, we found Best Practices in a library and carefully read the sections that dealt with TT. We then crafted a comprehensive, well-documented refutation of Best Practices' TT claims and sent copies of this refutation to each board member. This was in addition to literature we had already given the board, including material from Robert Park's SI piece "Alternative Medicine and the Laws of Physics" 13 ; "A Close Look at Therapeutic Touch" 14 by Linda Rosa, Emily Rosa, Larry Sarner, and Stephen Barrett (in The Journal of the American Medical Association and Kevin Courcey's "Further Notes on Therapeutic Touch," which is available online at www.Quackwatch.org .
Oddly enough, Rosa et al's JAMA paper was cited in the Best Practices literature despite the fact that it elegantly refutes claims that TT works!
The board promised to consider our suggested changes to the regulations, but we never heard from them or saw any sign that the item was listed on any subsequent board agenda or addressed at any meeting. We were stonewalled.
You Want Crazy? You Got It!
We then decided to see for ourselves just how lax California's CEU provider application process really is. We created a CEU provider called the California Foundation for Institutional Care or CFI-Care and sent an application with the $200 fee to the CBRN. We called our course "Feng Shui for Home Care Providers" and listed IIG investigator Karen Kensek as the instructor because she teaches architecture at the University of Southern California and thus meets the qualifications of a certified instructor. But we didn't stop there.
The following sections appear on our application for this course aimed at professional nurses:
- Möbel Kinesiology (Möbel is the German word for furniture, so möbel kinesiology is, essentially, furniture moving.)
- Feng Shui (a practice in which a structure or site is chosen or configured so as to harmonize with its qi, or life energy)
- Chinese ShŽyu (translation: snake oil)
- Vapor and Reflective Surfaces (another way to say smoke and mirrors)
- Apophenia (the experience of seeing patterns or connections in random or meaningless data)
- Anthropomancy (divination through human entrails)
- Canupiary Flexibility (The word canupiary exists in no language we could find. We made it up.)
When the unfamiliar content on our application was initially questioned, we simply pointed out that the sections we proposed were consistent with material found in Best Practices, the board's own gold standard for educational content. They would either have to certify CFI-Care or reject Best Practices.
CFI-Care was certified as Continuing Education Provider #15166 on August 28, 2008. We were officially in the for-profit business of teaching wacky ideas to professional nurses.
Feng Shui for Nurses: The Class
After much discussion about how to use our newfound state-sanctioned authority to disseminate false information, we decided to teach the class as-applied-for at the Center for Inquiry/Los Angeles. Part of the class would include revealing our motives to embarrass the CBRN into recognizing the flaws in its continuing education system. We certainly wouldn't want to see a class like "Feng Shui for Home Care Providers" taught for real.
In late March 2009, we issued press releases announcing that we would be teaching this state-approved class for the first time. We invited nurses, the press, and any other concerned citizens interested in the state's healthcare status. We even offered nurses free entry, free coffee, and two hours of CEU credit for attending.
But the board had one more roadblock to throw in front of us. Days after publicizing the class to the world, we received a letter (dated March 27, 2009) from CBRN Executive Officer Ruth Ann Terry stating that our certification had been "issued in error" and was now rescinded. We found it interesting that it took the CBRN eight months to discover this (as yet unnamed) error and only after our extensive publicity campaign spotlighting the folly of their approval.
We taught the class anyway, with no promise of CEUs, to an amazed and incredulous crowd. The handful of nurses who attended the class with around seventy-five others were appalled that the class's ludicrous content had been approved by the board. Jim Underdown reaching into an anatomically correct rubber corpse and flinging an armful of bloody latex entrails onto the stage to read the future was particularly memorable.
As of late July 2009, our inquiries into the reason for the revocation have been ignored.
Arnold Terminates the Board
On July 13, 2009, Governor Schwarzenegger replaced six of the seven appointed members of the CBRN. 15 The following day, CBRN Executive Officer Ruth Ann Terry resigned. It seems that while the board was taking its time responding to our objections over the teaching of pseudoscience, it was also taking its time (an average of three to five years, according to the nonprofit news organization ProPublica) investigating and closing complaints against nurses. The Los Angeles Times and ProPublica reported last fall that nurses with serious or multiple criminal convictions kept their licenses for years before the board acted against them.
We should note that the former board was not unanimously against our efforts and that the IIG is not taking sides regarding the replacement of the California Board of Registered Nursing. We are hopeful that the new board will take this opportunity to reexamine its continuing education polices. We will petition them to support high scientific standards in the care of California residents. Nurses and patients both deserve the best information scientific medicine can provide.
The authors would like to acknowledge the invaluable help and dedication of the rest of the IIG with special thanks to Karen Kensek, Jim Newman, Jerry Buchanan, Wendy Hughes, and Bernie Eisenberg. They would also like to thank Linda Rosa, RN, and Wally Sampson, MD, for their advice and guidance throughout this investigation.
- http://www.rn.ca.gov/about_us/whatisbrn.shtml.
- California Code of Regulations, Title 16, Division 14, Article 5, Section 1456.
- Ibid.
- CME Resource Catalogue 2009.
- www.clearsightaura.com/index.php?topic=engmed (accessed July 20, 2009).
- See their Web site at http://www.c-d-m.org/ .
- Clearsight application for certification as a provider of continuing education units in the State of California, 1994. Page 1.
- Letter to IIG investigator Owen Hammer from CBRN Executive Director Ruth Ann Terry, February 2, 2006.
- Paraphrasing of "Nursing Practice Act with Rules and Regulations," section 1456.
- Language copied from the official minutes for the California Board of Registered Nursing Education/Licensing Committee meeting on August 31, 2006.
- Formally, Best Practices in Complementary and Alternative Medicine: An Evidence-Based Approach with Nursing CE/CME by Lynda W. Freeman. Aspen Publishers 2001.
- The studies cited had no control group, were not blinded, were never replicated, were conducted in secret, or actually disproved the efficacy of TT.
- Skeptical Inquirer September/October 1997.
- http://gov.ca.gov/press-release/12803/.
Owen Hammer and James Underdown
Owen Hammer is an investigator with the IIG and a writer and visual effects artist in Hollywood. James Underdown is the executive director of the Center for Inquiry/Los Angeles and the chair and founder of the Independent Investigations Group.
This article was originally published in Skeptical Inquirer magazine Volume 33.6, November / December 2009 . It can also be accessed on the Committee for Skeptical Inquiry's website.


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This course will examine the Federal Rules of Evidence governing the admission, exclusion, and presentation of evidence in judicial proceeding. Topics covered in this course include relevancy; hearsay, exceptions to hearsay; impeachment; expert testimony; rules of exclusion; character and habit evidence; competency of witnesses; examination and impeachment of witnesses; opinion and expert testimony; presentation of evidence; privilege; presumptions and burdens of proof; and the scope of judicial notice.
Credit Hours: 3


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Note: Because most creditors require you to provide a police report when you contest fraudulent charges, it is important to report the crime to your local police or sheriff's department and obtain a copy of the corresponding police report. It's okay if you don't know who used your information or if your information was used in another state, you can still file a complaint with local law enforcement.
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Email: email@example.com
When we receive the information, a member of our Customer First team will contact you quickly to help resolve the issue.
Phishing and Bill Payment Scams
"Phishing" is attempting to acquire information, such as banking details, personal information, or website login information, from an individual by imitating a trusted website, telephone number, or email solicitation. In order to protect yourself against phishing attempts, please keep the following in mind:
Contacting Stream
Feel free to contact Stream Energy by telephone, email, or mail.
Always use the correct numbers and contact information to contact Stream Energy as there are many similar web sites and toll-free 800 telephone numbers. Payments made to unauthorized, non-Stream personnel cannot be refunded and may result in identity theft.
Paying Your Bill
- Stream accepts payments through online banking accounts, and with credit and debit cards.
- You will never be asked to pay with a pre-paid credit cards, such as Wal-Mart, CVS, or Walgreen cards.
- If your energy account is pending disconnection for non-payment, we will call you 2 days before the disconnection date, allowing you time to make payment arrangements with a Stream Customer Service agent. If you receive a telephone call from an individual requesting an immediate action, hang up immediately. Call the Stream Energy customer service line in the link above and ask to review your account details with an authorized Stream representative.
- If you receive a call from anyone claiming to be a Stream Energy representative, always ask them to verify your account information including the last 4 digits of your Social Security Number. If you are suspicious that the call is not from a Stream Energy representative, hang up immediately. Call the Stream Energy customer service line in the link above and ask to review your account details with an authorized Stream Energy representative.
Web Site and Email Communication
- Do not respond to unsolicited (spam) email.
- Do not click on links contained within an unsolicited email.
- Be cautious of emails claiming to contain pictures in attached files; the files may contain viruses. Only open attachments from known senders. Scan the attachments for viruses if possible.
- Avoid filling out forms contained in email messages that ask for personal information.
- Always compare the link in the email to the link you are actually directed to.
- If you receive an email that includes a link to a business, log on to that website directly rather than clicking the link provided. If the email appears to be from your bank, credit card issuer, or other companies you deal with frequently, your statements from the business should provide the correct contact information.
- Contact the business that supposedly sent the email to verify that the email is genuine.
- If you are being pressured to act quickly or there is an emergency that requires your attention, it may be a scam.
- Pay attention to poor grammar, spelling, and email format as scam email typically exercise these attributes.
- Remember, if it looks too good to be true, it probably is.
Phishing Email Example:


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Hey Yall
I should have thought to do this a while ago, but better late than never I suppose. I no long blog at this website. I have a different one I blog on regularly, http://www.mokarnage.com so you can go there to find political essays, personal essays, poetry, art, and more! For political events in the Richmond area http://www.wingnutrva.org is still the place to go! Thank you so much for reading!
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text: We just added a new feature to BibleWorks 8. The Find in Files feature that allows you to search note files has a new option to export the list of found files as a verse list. What this permits you to do is add a tag to user verse note files and create a verse list based on those tags. Added by user request.


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My 8 year old son Liam has been learning about climate change in school. Now he is on a mission to save the polar bears! He even made a donation to the World Wildlife Fund to "adopt" a polar bear. I've talked with him about all the little things he can do to reduce his personal contribution to climate change (and try to stop the polar ice from melting). Things like turning off the lights when he leaves the room, shutting the refrigerator door quickly and biking to soccer practice instead of driving. Even though individual actions like that may seem tiny, I think it's important to make sure kids realize that they do play a part in protecting the climate.
Have your child share their story
One way to help inspire your child to take action, is to have them join Team ENERGY STAR. Joining gives you access to energy saving tips and fun activities that will help motivate your family to save energy in the home and in your daily lives. Right now, kids can even share their story for a chance to win some fun prizes from LG Electronics, 20th Century Fox and PTO Today. The first 200 families to submit an energy-saving story will receive 2 tickets to see the movie EPIC, courtesy of Fox.
An EPIC fight
Climate change is no small deal. To help draw attention to this EPIC issue this summer, ENERGY STAR has partnered with the Environmental Protection Agency, PTO Today (a national nonprofit that helps independent parent-teacher organizations) and the producers of the new, animated film EPIC to get the word out to more kids than ever before. The goal is pretty simple: to teach kids to save energy while still having fun. I'm willing to get on board with that!
The movie
EPIC looks like a pretty awesome movie. My kids are excited to see it when it comes out (in theaters May 24th). Here's a little bit about it:
EPIC is a 3D CG adventure comedy that reveals a fantastical world unlike any other. From the creators of ICE AGE and RIO, EPIC tells the story of an ongoing battle between the forces of good, who keep the natural world alive, and the forces of evil, who wish to destroy it. When a teenage girl finds herself magically transported into this secret universe, she teams up with an elite band of warriors and a crew of comical, larger-than-life figures, to save their world…and ours.
Liam joined Team ENERGY STAR! Will you?
Disclosure: I am writing about Team ENERGY STAR because I support the program and because I believe it is important to educate the public about energy efficiency and climate change. Read more about the program on Big Green Purse. I have received a small "thank you" reward from LG, an ENERGY STAR partner, in appreciation for my post. That gift in no way influenced my opinion.)